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Desert Schools Federal Credit Union was founded in 1939 by 12 teachers, each of whom invested five dollars into the newly formed credit union.
Melrose Credit Union was established in 1922 to provide financial resources for individuals and small business owners from the Bronx, NY. Through the Credit Union, community residents were afforded the means to pursue their American Dreams. Our mission today is the same as it was then: to empower the community by offering affordable financial products and services. Today, that commitment to the communities we serve has helped transform Melrose Credit Union from a small storefront in the Bronx, NY into one of the most successful financial institutions in the United States. Melrose members enjoy some of the highest saving yields and lowest loan rates in the region. Melrose Credit Union operates under the supervision of the New York State Department of Financial Services (DFS). All deposit accounts are federally insured under the National Credit Union Share Insurance Fund (NCUSIF) to at least $250,000 per account by the National Credit Union Administration (NCUA). The NCUSIF is subsidized by participating credit unions and does not receive funding from any tax revenues.
M&T Bank is considered one of the country's most highly regarded regional banks. We were founded more than 145 years ago in Western New York, where we are still headquartered. Our parent company, Mand,T Bank Corporation, had over $55 billion in assets as of December 31, 2005 and is one of the 20 largest commercial bank holding companies in the U.S.
The FFAM 360 group of companies is a world-class organization that provides customer centric solutions that address all phases of the credit and revenue lifecycle. Through our vast network of affiliated companies, we deliver comprehensive solutions in the areas of business process outsourcing, accounts receivable management, healthcare revenue cycle management and receivables purchasing & specialty finance. Our Mission is to deliver revenue-cycle solutions to our clients that optimize their credit and revenue lifecycle through the deployment of world-class people, operations, and technology, rooted with integrity and compliance. Founded in 2002 by industry veterans with over 100 years of combined experience, our vision was to create a best-in-class organization that combined leading revenue cycle management with institutional capital; all focused on optimizing liquidity solutions for accounts receivables throughout the credit and revenue lifecycle. Since being founded, the FFAM 360 group of companies have become some of the most well-known and respected financial institutions in the revenue cycle management industry. Our teams include industry leaders from multiple disciplines with specializations ranging from credit origination to post charge-off servicing.
American Express is a global service company, providing customers with exceptional access to products, insights and experiences that enrich lives and build business success. Each day, American Express makes it easier, safer and more rewarding for consumers and businesses to purchase the things they need and for merchants to sell their goods and services. An engine of commerce, American Express provides innovative payment, travel and expense management solutions for individuals and businesses of all sizes. Most of all, we help our customers realize their dreams and aspirations through industry-leading benefits, access to unique experiences, business-building insights, and global customer care. We enable our customers to do and achieve more.